When you're in a pinch, you need a buddy to help you out, not put you in the hole--that's where we step in. Floats (technically a form of wage advance) don't have interest or fees. We base the amount on the wages you have already earned (but not yet received) through your employment.
We don't charge interest like a traditional loan--and we don't report this information to the credit bureaus. You just pay us back when you get your next paycheck. That's what Best Financial Friends are for.